LOVELY PROFESSIONAL UNIVERSITY

MITTAL SCHOOL OF BUSINESS

INTERNATIONAL BUSINESS ENVIRONMENT

ASSIGNMENT – 1

ANALYSIS OF PUNJAB NATIONAL BANK

DATE OF ALLOTMENT: 09 -09-2021

SUBMISSION DATE: 30-09-2021

SUBMITTED BY SUBMITTED TO
MASTHAN.SHAIK ATANUBHATTACHARYYA
SECTION: Q2141 MGNM578
RQ2141B29 UID-21018
12104042

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 INTRODUCTION

Punjab commercial bank we have a tendency to decision it as PNB. PNB is nationalised bank and it absolutely
was supported by mister. Dyal Singh Majithia & Lala Lajpat rai within the year of 1894 twelfth Gregorian
calendar month headquarters is set in Dwarka, Delhi. CH S.S Mailkarjuna Rao is that the corporate executive of
Punjab commercial bank. PNB is underneath the possession of ministry of finance with (76.87%) rights within
the bank. PNB is that the second largest bank closely-held by the Indian government reciprocally within the term
of its business volumes and its network. The bank had over twelve,248 branches all alternative India with the one
hundred eighty million customers. PNB is primarily deals with banking, money services. PNB functioning their
business services internationally with PNB international bank, PNB contains a banking subsidiary within the
Great Britain with the seven branches in Great Britain, PNB has many a lot of branches in port, Kowloon, Dubai,
and Kabul have delineated offices in city (Kazakhstan), urban center (United Arab Emirates), shingai (China),
Christiania (Norway) and Sydney (Australia). In Kingdom of Bhutan it owns fifty one of druk Punjab commercial
bank, that has five branches. IN Kingdom of Nepal Punjab commercial bank owns two hundredth Mount Everest
bank restricted, that has about fifty branches, within the last Punjab commercial bank owns forty one.64% of JSC
(SB) Punjab commercial bank in Kazak, it's four branches. Punjab commercial bank was original registered
within the year of 1894 underneath the Indian firms act, with its workplace in Anarkali bazaar, Lahore, in gift
day Asian country. Punjab commercial bank operating underneath union government of {india|India|Republic of
India|Bharat|Asian country|Asian nation} regulated by Federal Reserve Bank of India Act 1934. Punjab
commercial bank had prodigious history, most prevailing and influence individuals within the history had their
accounts within the Punjaba|geographic square measurea|geographical region|geographic region} commercial
bank in those days there are many individuals are their like spiritual leader, Jawahar Lal national leader, Lal
bahadur shastri, Gandhi and also the Jallianwala Bagh committee have control Punjab commercial bank account.
Currently Punjab commercial bank is running their operations with one,03,000 (2020) staff. within the year of
2020 the {india|India|Republic of India|Bharat|Asian country|Asian nation}n government has determined to
merge some bank in Punjab commercial bank to form Punjab commercial bank second major bank India when
bank of India. Oriental bank of commerce and united bank of India. currently these banks square measure
formally Woking with Punjab commercial bank to get a lot of revenue. Not solely this they're many banks was
integrated within the Punjab commercial bank from 90’s, within the year of 1951 Asian nation Ltd, 1961
Universal bank of India, 1962 Indo-commercial bank ,1986 geographical area depository financial institution,
1993 New bank of India ,2003 nedungadi bank this all bank were integrated within the Punjab commercial bank

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PUNJAB NATIONAL BANK PRODUCTS / SERVICES

Punjab commercial bank is primarily deals with finance and banking. during this monetary & banking sector
PNB is providing several services and product to Indian and international customers. geographical area
commercial bank is extensively occupation to banking want of the many Indians and for no-Indians too. Foremost,
we have a tendency to mentioned concerning product & services by geographical area commercial bank in
Republic of India, ar|they're} several services are providing for patrons in banking want. The product given by
geographical area commercial bank is main reason for gaining costumers day by day.

PERSONAL:

1.Accounts

• Saving Fund accounts

• Current Account

• Fixed deposit

• Capital Gain Account Schemes

• Gold validation theme

2. Loans

• Retails

• MSME

• Agriculture

3. OTS in NPA Accounts

4. Insurance Business To provide customers wide selection of monetary services, geographical area commercial
bank has entered into company agency agreement with the subsequent life assurance firms.

life assurance

• PNB MetLife Republic of India insurer restricted

• Canara bank HSBC OBC life assurance Company restricted

• Life Insurance Corporation of Republic of India

• Oriental Insurance Co. Ltd (OICL), General Insurance

• Bajaj Allianz General Insurance Co. Ltd (BAGIG) General Insurance

• Choal MS General Insurance Co. Ltd (CHOLA) General Insurance

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• Care insurance Co. Ltd (CHICL) Stand Alone insurance

• Star Health and Allied Insurance Co. Ltd, complete insurance

5. GOVERNMENT BUSINESS product Punjab commercial bank is facilitating various Government business
activities through its wide network of branches, ATMs and sturdy Retail and company web banking platforms.
the massive network of our branches provides easy accessibility across Republic of India to everybody to deposit
the subsequent Government dues & pension payments and invest in numerous Govt. Saving Schemes.

6. PENSION

• Central Civil

• Defence

• Railways

• Telecom

• Postal

• State Govt

• EPFO

• Other company staff

7. Assortment F TAX

• e-Biz assortment

• Income Tax

• Corporation Tax

• Wealth Tax

• Gift Tax

• Challan

• Excise Service Tax

• Customs Duty

• State VAT

• TDS

8. PUBLIC PROVIDING FUND & GOVT SAVING theme

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• Sovereign Gold Bond theme

• e-PPF

• Public providing fund

• Sovereign Gold bond series -X

• Senior national saving theme

• Sukanya Samriddhi time deposit account theme

9. OTHERS

• MCA-21

• E-Payment for railway freight

• E-stamping

• NPS

• EPFO

• PMFS

• State VAT

• PNB NEFT

10. FINACIAL INCLUSION

• Pradhan Mantri Jan-Dhan Yojana (PMJDY)

• FI / PMJDY Pillars / theme • Pradhan Mantri Social Security theme • Financial Inclusion arrange (FIP)

• Business Correspondents / bank Mitra’s

• Kiosk Banking Solutions (KBC) & Micro-ATM’s

• Direct advantages transfer

• CBCs / BCOs /Bank MITR / AEC Centre surveyor

11. PRIORITY SECTOR

• Schemes for ladies

• Weaker Section theme

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CORPORATE:

1. COPRORATE LOANS

2. EXIM FINANCE

3. CMS product

• Cash Management Services (CMS)

• Auto Debit Mandate (ADM)

• Funds assortment Module (FCM)

• Integrated Fee Portal (IFP)

• E-CMS (Virtual Account)

4. GOLD CARD SCHME FOR EXPORTERS

5. DOOR STEP BANKING SERVICES CAPITAL SERVICES:

• repository Services
• Mutual Funds
• merchandiser Banking
• ASBA

INTERNATIONAL SERVICES: PNB offers numerous schemes / product /services with reference to
international banking. the broad details therefrom square measure as beneath

• Indo Asian nation payment theme (INREMIT Scheme)

• Foreign Currency Non-resident Deposit A/c theme (FD)
• Non-resident External Deposit A/c theme (SB/CA/FD)
• Non-resident normal Deposit A/c theme (SB/CA/FD/RD)
• Foreign Inward Remittances – Rupee Drawing Arrangements / Speed Remittances with Exchange homes
• cash Transfer Schemes
• PNB-NRI REMIT theme
• Exchange of Foreign Currency Travellers Cheques/Notes
• World Travel Card
• Buyers` / Suppliers` Credit against Imports into Republic of India
• Letter of Guarantee (issued on behalf of foreign bank)
• valuable Business (on consignment basis)
• Gold (Metal) Loan theme for Domestic jewelry makers.

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 • ECGC – Bank assurance - marketing of policies to exporters
• Libor Transition
• Fx Retail Platform
• Schemes / product / services
• NRI Services
• World Travel Card
• ministry Details

FINANCIAL STABILITY OF PNB

PNB BANK FINANCIAL STABILTY MAR21-MAR17

Particulars Mar'21 Mar'20 Mar'19 Mar'18 Mar'17

Share Capital 2095.54 1347.51 920.81 552.11 425.59

Reserves & Surplus 81641.36 56251.28 40284.09 36838.37 37670.86

Net Worth 90937.31 62357.49 44787.13 41074.31 41846.98

Secured Loan 42840.31 50225.43 39325.91 60850.75 40763.34

Unsecured Loan 1106332.5 703846.32 676030.14 642226.19 621704.02

TOTAL LIABILITIES 1240110.1 816429.24 760143.18 744151.25 704314.33

Assets
Gross Block 11020.9 7239.07 6224.85 6349.33 6273.25

Net Block 11020.9 7239.07 6224.85 6349.33 6273.25

Investments 392983.25 240465.64 202128.22 200305.98 186725.44

Inventories 0 0 0 0 0

Cash and Bank 111349.7 75993.03 75288.04 95462 88331.65

Loans and Advances 745278.76 506968.17 491308.35 463712.79 439000.21

Total Current Assets 856628.46 582961.2 566596.39 559174.8 527331.86

Current Liabilities 20522.52 14236.68 14806.28 21678.86 16016.21

Provisions 0 0 0 0 0

Total Current Liabilities 20522.52 14236.68 14806.28 21678.86 16016.21

NET CURRENT ASSETS 836105.94 568724.53 551790.11 537495.94 511315.65

TOTAL ASSETS(A+B+C+D+E) 1247310.5 821187.93 763725.41 747835.07 708064.86

Foot Note: Values are in Cores

Source: Dion Global Solutions Limited

By the on top of information we will clearly recognize that pnb bank is running profits. once a year PNB bank
profits ar increasing. PNB faces several losses within the past years because of covid irruption within the country
and Nirav Modi bankrupt and few a lot of scams ar happening in bank, with this reasons PNB bank has seen
losses within the past few years however currently the bank is clearly moving towards the profits. This profit
helps the bank to develop the business and expand new branches in Asian nation and international wise. PNB can
earn moderate profit within the current business assisted by treasury financial gain and different core banking
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activities. For the fourth quarter finished march, geographical area full service bank has denote a internet loss of
Rs.697.20 cores, but once a niche of 2 years, the Nirav Modi fraud hit bank denote profit of Rs.363 cores in 2019-
20. The bank has scaled down its loan growth target to six for the current business because of the covid-19 crisis.
Punjab national share market was doing sensible these days with BSE: thirty eight.35 NSE: thirty eight.35

EXPANDING STERTEGY

Punjab full service bank aims to expand its world exposure to half-hour by 2022 from its current allocation of
eight.5% as of 2019.as an area of its strategic set up for approaching 3 years. The funds of geographical area full
service bank are going to be diversifying its investment over the spectrum of world assets, whereas increasing
capital potency and crystallization a a lot of spirited investment method.

PNB aims to assign Sep 11 of its investments int o land ,7% into personal investment ,19% into fastened deposit
,5% into cash selling, and therefore the remaining hour into public equities, with seventieth domestic and half-
hour world allocation by earth science. Public sector loaner geographical area full service bank has set its sights
on the south and west for growth. geographical area full service bank is trying to open five hundred branches in
current business with this pnb produce quite four,000 jobs.

Punjab full service bank have completed the business and human integration of united bank of Asian nation and
oriental bank of commerce with the pnb. Pnb is trying to finish the IT migration Gregorian calendar month 2021.
Punjab full service bank presently operates eleven,000 branches within the north and east and 126 international
branches, currently pnb plans to expand in south and west, at the start bank plans to open concerning five hundred
branches throughout FY21. The merger can result in high frequency of rationalisation of branches.

If there ar quite 2 branches inside five hundred meters, then the bank goes to club those 2 branches along then
use same license to open new branches within the south ar within the west. By this fashion geographical area full
service bank goes to open new five hundred branches in Asian nation. By the Gregorian calendar month fifteen
geographical area full service bank are going to be adding virtually four,000 staff to its payroll with 990 of them
absorbed within the officer cadre. Punjab full service bank is loss-making branches variety concerning 350 and
therefore the bank was finding ways that to cut back their count through the innovative selling of services or
introducing of region-specific merchandise.

SWOT ANALYSIS OF PBN BANK

SWOT analysis play key role in any company to grasp a lot of concerning the corporate, corporations use analysis
to urge recognize the strength, weakness, opportunities and treads of the corporate. By this analysis the corporate
accommodate to vary and recognize what style of practices ought to the corporate withdraw. a corporation have
to be compelled to grab the new trends and opportunities to support the grow within the future.in different hand
threats destructively have an effect on the corporate and may conjointly create unwanted changes within the

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market wants. Below listed ar most relevant Strengths, weakness, opportunities, threats (SWOT) analysis of
geographical area full service bank

1. Strengths of Pnb:

• PNB had giant client base of 188 million.

• Strong IT infrastructure

• International presence: geographical area full service bank has conjointly noticeable its presence within the uk
(UK), Dubai, Kabul, Khuzestan, Bhutan, China, Hong Kong, and Kowloon.

• Punjab full service bank encompasses a immense employment Base of 103000employees.

• Most disowned banks like United bank of Asian nation, oriental bank of commerce (OBC)was unified in PNB
on April first 2020.

• PNB bank encompasses a immense network of branches and ATMs with 10910 branches and over 13000+
ATMS.

• Subseries: PNB Housing Finance, PNB Met insurance, Investment services, PNB International Ltd and PNB
gilts restricted ar the subsidiaries of geographical area full service bank.

2. Weakness Of pnb :

• Low penetration and presence within the rural areas.

• Negative media coverage for involvement in malpractice resulting in Associate in Nursing unfavourable
complete image within the minds of the shoppers.

• Inadequate advertising and complete promotion as compared to the foremost leading banks and different
personal sectors.

• Few scams that it taken place within the bank.

3. Opportunities of Pnb:

• PNB might launch its E-Wallets, that are presently common within the country and international wide.

• Bank can even initiate new schemes for saving accounts holders to reinforce the money deposit ration.

• Bank will offer the loan to the start-ups and different business company to draw in the new and a lot of
customers.

• Bank can even use new technology to push their merchandise within the totally different social media platforms.
• Growing demand of banking within the country will creates sensible opportunities of the banking sector

. • E-services and E-Gateway may be offered to the web site house owners at a nominal worth.
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4. Threats of Pnb:

• Old bank and new started bank are the nice competitors to pnb bank.

• RBI and governments new regulation also are an enormous threat to the bank.

• Fluctuations and crises within the economy is that the major threats to the pnb bank. Competitors Of
geographical area full service bank

PNB has several competitors within the markets, here ar the highest six competitors banks of PNB.

1. SBI

2. Indian Bank

3. HDFC bank

4. Andhra bank

5. geographic region bank

6. ICIC bank

Competitor analysis of Pnb

Market Total
Name Last Price Net Interest Net Profit
Cap. Assets
453.15 4,04,418.77 2,65,150.63 20,410.47 45,34,429.63
SBI
PNB 40.2 44,264.28 80,749.77 2,021.62 12,60,632.62
23.05 43,570.06 16,965.53 831.47 2,74,010.34
IOB
81.45 42,120.74 70,495.06 828.95 11,55,364.78
BANK OF BARODA
173.85 31,538.65 69,239.79 2,557.58 11,53,675.03
CANARA BANK
36.6 25,015.18 68,767.34 2,905.97 10,71,705.85
UNION BANK
55.85 22,918.42 40,599.44 2,160.30 7,25,856.45
BANK OF INIDA
23 19,966.16 22,730.23 -887.58 3,69,214.99
CENTRAL BANK
139.1 17,324.09 39,105.79 3,004.68 6,26,005.03
INIDAN BANK
13.65 16,319.88 14,446.16 167.04 2,53,336.10
UCO BANK
20.1 13,528.30 11,868.54 550.23 1,96,665.01
BANK OF MATH
17.6 7,132.70 6,973.91 -2,732.90 1,10,481.88
PUNJAB & SIND
46.05 6,005.60 12,589.84 727.02 1,77,632.05
VIJAY BANK
43.45 5,953.56 17,867.69 54.99 2,71,909.55
ORIENTAL BANK
9.8 5,874.30 15,622.63 -6,332.98 2,13,577.86
COOPARATION
4.5 4,081.18 8,559.88 -2,315.92 1,51,529.93
UNITED BANK
15.15 4,065.84 21,725.40 -2,588.30 3,11,278.86
SYNDICATE BANK
Foot note : data is in cores
Source : World bank
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PESTLE ANALYSIS OF KAZAKHASTAN

KAZAKHASTAN the republic of Asian country could be a contiguous continental country in central Asia with
its smaller half west of the Ural watercourse in jap Europe ,the capital of Asian country capital of Kazakhstan
,Kazakhstan is world largest country inland country by acreage and ninth largest country within the world
.Kazakhstan territory of over one,053,000 sq. miles isa larger than western Europe ,Kazakhstan shares border
with Russia , China ,Kyrgyzstan ,and country and additionally adjoins an oversized a part of the Caspian with
over seventeen million individuals Asian country has the 62nd largest population within the world.

1. POLITICAL ENVIORMENT

Officially Asian country country could be a democratic and lay, constitutional unitary republic. Nursultan
Nazarbayev has nonappetitive as prime man and he served to the country from 1992 -2019.He was succussed by
the man. Kassym – jomart Tokayev. The president could veto legislation that has been elapsed the parliament of
Asian country and he's additionally leading the arm forces because the commander in chief. With the prime man
his cabin of minister served as a head of Asian country government country. IN Nursultan Nazarbayev cupboard
there ar sixteen prime ministers and 3 deputy prime ministers. After Nursultan Nazarbayev resigned of the
workplace on nineteen march 2019 once 29yeras of service within the workplace, as a results of that man. Askar
Mamin take hold as prime minister of Asian country within the year of 2019. currently he's serving as prime
mistier of Asian country country. Reforms have begun to be enforced once the election of Kassym-Jomart
Tokayev in Gregorian calendar month 2019. Tokayev supports a culture of opposition, public assembly, and
loosening rules on forming political parties. In Gregorian calendar month 2019, on the initiative of the President
of Asian country, Kassym-Jomart Tokayev the National Council of charitable trust are established as a platform
within which wider society will discuss totally different views and strengthen the national language relating to
government policies and reforms. Special places for peaceful rallies in central areas are going to be allotted and
a replacement draft law outlining the rights and obligations of organisers, participants and observers are going to
be passed. In an endeavor to extend public safety, President Tokayev has strong the penalties for those that
commit crimes against people.

2. ECONOMIAL ENIVORMENT

Kazakhstan is assessed as associate degree higher middle-income economy in jap Europe and central Asia. The
country calculable GDP to achieve a hundred sixty five.60USD billions by the top of 2021, in line with commerce
economic science world macro models and analysist expectations. The Asian country GDP and economy growth
has primarily driven by domestic demand and high growth in exports. Private consumption and investment have
boosted the economy heavily throughout the last decade. Asian country country has heavily obsessed with the oil
exports. The country economy decelerated against the backcloth of weak external demand and poor performance
in mining and construction. Oil exports dependence could result in economic instability thanks to often unsteady
oil costs in international markets. The country has higher corruption rate compared to Republic of India, China,

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and also the U.S.A. results in unethical business practices, that have an effect on the business atmosphere of the
country. The country distinctive geographic location at the crossing of Europe and Asia makes it a crucial transit
purpose for traffic moving between vital markets in Europe and Asia. the country has several nice potentials for
mining and country had higher reserves of has several greaoils, gas, zinc, tungsten, barium, gold, molybdenum,
copper, chrome, silver, lead, barium, atomic number 74 and U

3. SOCIAL

atmosphere Kazakhstan has plentiful provide of accessible resources like minerals and fossils. Asian country
country has attracted most of the over $40 billion foreign investment since 1993 and accounts for a few fifty
seven of the nation’s industrial output or approximatively thirteen GDP by the event of oil, gas, and minerals
extractions. in line with the a number of researches and estimates the Asian country country has the second largest
U, chromium, lead, and metal reserves and Asian country has third largest metal reserves, and also the fifth largest
cooper reserves and rank within the high 10 for coal, iron and gold. Asian country additionally is aware of for
diamonds businessperson that is one more reason for economy growth. currently Asian country has secured
eleventh position within the established reserves of oil and gas. Asian country had friendship all the neighbours’
countries. Asian country is additionally a member of world organization. Organization for security and
cooperation in Europe, monetary unit Atlantic partnership council and also the organization of Islamic
cooperation (OIC). Asian country is additionally a 1 of the active members within the Atlantic Ocean accord
organization partnership for peace program.

4. TECHONOLOGICAL

atmosphere Kazakhstan is one the developing country within the world from the last 5 years and also the country
has playacting alright. Like all different countries Asian country additionally facing some world crisis but they're
ready to sustain all those crises and maintaining their growth by the great short term polices they need due to that
they're overcoming all the crisis. Their new technologies ar perpetually developing. here are changes to barriers
to entry in given markets. At present, there ar universities, academies and institutes, conservatories, higher
faculties and better faculties. There ar 3 main levels: basic educational activity that gives the basics of the chosen
field of study and results in the award of the Bachelor's degree; specialised educational activity once that students
loans come from Almaty, Astana and Kyzylorda.

PUNJAB NATIONAL BANK IN KAZAKHSTAN

Punjab commercial bank might have all over up providing Rs.500 metallic element in commercial enterprise
2021towards the erosion of its investment in Kazakhstan’s Jsc Tengri bank. The provision are over 1 / 4 of the
consolidated profit of one,861cr, geographic region commercial bank denote for the primary 9 months of FY21.It
has already provided rs.341.59cr within the second quarter all over Sept thirtieth. The bank is nevertheless to
report fourth quarter and FY21 results. Punjab commercial bank in 2019 it planned to merge with capital bank

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Asian country Asia credit. JSC as a part of the regulator driven consolidation because of high trade level unhealthy
loans however later on known as off. The monetary regulator of Asian country has revoked license of its associate
for failure to fulfill prudent normal and different obligatory norms. Punjab commercial bank is that the largest
shareholders with a forty one.64% stake in Tengri bank, that has nine branches within the financial institution of
state.

HISTORY OF PNB IN KAZAKHSTAN

Asian country Punjab commercial bank has opened its 1st branch at metropolis in Asian country on twenty sixth
January, 2013.Punjab commercial bank open this branch once closing all foreign branches over 5 years. per the
laws of the financial institution of Asian country, the representative workplace might be reborn into a branch
once a amount of 1 year. On Sept eight, twenty11 passed off the presentation of JSC “SB “PNB”-Kazakhstan”
that was established as a non-public bank named “Danabank” on October 20, 1992 in Pavlodar town with
associate degree initial registered capital of half-dozen million four hundred thousand rubles. The Bank’s current
paid up capital is KZT ten.5 billion. it's a subsidiary of geographic region commercial bank, the biggest public
sector bank in Asian country with client base of sixty three million, over 5200 offices, total business amounting
to USD 126.84 billion and a income of USD 994 million (2010-11). The Bank’s current paid up capital is KZT
ten.5 billion. it's a subsidiary of geographic region commercial bank, the biggest public sector bank in Asian
country with client base of sixty three million, over 5200 offices, total business amounting to USD 126.84 billion
and a income of USD 994 million (2010-11).

On Dec thirteen, 2010 geographic region commercial bank noninheritable a dominant stake within the JSC
“Danabank” of sixty fourth and has increased it throughout the last month to eighty one. the target of this
development strategy was to form Asian country a concentrate and base to expand banking footprints in Central
Asia and Transcaucasia. The monetary crisis of 2008 and sequent erosion in assets costs of banks created this
strategic alliance doable. The stable economic outlook for the long run and growth of the monetary sector, allowed
PNB to strengthen its presence by finance in “Danabank” and pledging its expertise in management to form a
major contribution to the economy of Asian country. PNB-Kazakhstan may be a universal full service bank
providing a good vary of services as per the license from the Committee on management and superintendence of
economic Market and monetary establishments of the commercial bank of the Republic of Asian country Asian
country.1.159 of August 1, 2011. at the moment the Bank's branch network consists of 5 branches within the
cities of metropolis, Taraz, Pavlodar, Karaganda and Akmola. Since 2005, the Bank was actively concerned in
co-financing measures to support agriculture sector and little and medium enterprises with the joint work of
erstwhile JSC “Danabank” and also the Foundation for Enterprise Development “DAMU” that resulted in
providing loans for the full quantity of one.5 billion tenge. many voters of the Republic of Asian country have
conjointly improved their living conditions with the joint work of the Bank with JSC “Kazakhstan Mortgage
Company” that resulted in providing mortgage loans for the full quantity of over three hundred million tenge. By

13
being active participant within the country's economy, the Bank has contributed in supporting domestic
producers, making new jobs, and customarily promoting the progressive development of the Republic of Asian
country.

COMPETITORS BRANCHES IN KAZKHASTAN

Only one Indian branch was there in Asian country that's come back beneath geographic region commercial
bank.no different Indian bank have their branches in Asian country. There ar several reasons behind of that, to
open branches in Asian country each bank ought to fulfil the norms and rule of economic regulator. large cash
investment is needed to begin a branch in Asian country, in Asian country banks can’t assume their future as a
result of anytime rules and laws can amendment by the country and monetary regulator. If bank needs to invest
large quantity to holds the shares in subseries banks, each bank ought to holdup with the native branch to begin
operations in Asian country, each bank isn't able to settle for this and not able to provide the big stake holds of
bank to the Indian bank, this is often conjointly one downside to the banks to open branch in Asian country.

NEWS

Kazakhstan of Asian country effects on Pnb

: Kazakhstan instructs pnb to support troubled native affiliate NUR-SULTAN, April twenty two (Reuters) -
Kazakhstan’s monetary regulator has tutored India’s geographic region commercial bank to spice up the capital
of its Kazakh affiliate Tengri Bank , the administrative body aforesaid on Wed. Tengri Bank, one in all the littlest
lenders within the Central land, restricted client withdrawals this month as its liquidity fell, and aforesaid it had
been discussing matters with PNB, its biggest shareowner, an8d different stakeholders. (Reporting by Tamara
Vaal Writing by Olzhas Auyezov piece of writing by Louise Heavens)

Kazakhstan regulator revokes license of geographic region commercial bank

Tengri bank has not increased the capital Kazakhstan's monetary regulator has revoked the licence of Tengri
Bank, alittle native investor during which India’s geographic region commercial bank is that the biggest
shareowner, it aforesaid on weekday. The regulator aforesaid in an exceedingly statement Tengri has repeatedly
didn't observe prudent necessities and has not increased its capital as tutored by the authorities.

MARKETING STERTEGRY OF PNB

By this given data we can know the marketing strategy of Punjab national bank n the terms of STP; STP means
Segmentation, targeting, positioning. Punjab national bank segregate the market and customers and targets

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existing high value customers. Punjab national bank doesn’t geography segment an exclusive market segment
since the bank has a wide spread in both ruler area and urban area.

Mainly the Punjab national bank targets government employees, self-employed and business persons, corporate
workers in urban, rural, metropolitan areas. IN other hand it is also targets the low-income family groups and
teachers and who are financially low to avail the all the services given by Punjab national bank. The bank mainly
does the marketing by the print media, social media, and via call centres to gain the new customers or at least to
bring the more awareness of the brand.

Over the years Punjab national bank has mainly positioned itself based on its value proposition. Today the pnb
bank has changed it pictures completely it emphasises upon its net banking, telebanking, internet banking and
other value-added services with the aim to communicate its image as a value providing bank. IN this new way
the pnb bank has targeting it audience, positioning itself appropriately.

One of the effective ways to position a brand and to communicate to a target audience is by way of marketing
campaigns.

PNB MARKETING CAMPAIGNS

Punjab national bank has carried many marketing campaigns to make the brand more recognisable and get the
awareness’ about the products and services of pnb bank.

• Digital Apnayen: on a special occasion Punjab national bank initiated a campaign to make the customers
to use digital services, digital platforms. This campaign started on Independence Day august 15th 2020,
by this customer can donate Rs.5 to the PM CRAES fund for covid 19 relief through the Punjab national
bank. This campaign name was “Digital Apnayen “. Under this campaign Punjab national bank has
pledge to donate Rs.5 to PM CARE Fund behalf every costumer who made their first online financial
transaction to unlock their Rupay cards, either it is a point of sale (pos) or via e-commerce site. The main
aim of this campaign is avail services to customers and donate of a noble cause.

• #JoinTeamKholi

Punjab National bank then brand ambassador Virat Kohli presented in a host of entertainment. from the
festive ones to information ones. To encourage the customers to join Virat in avail their bank services
they used #joiwithkhoili hashtag being used. Kohli genuinely marketed the brand and was quoted saying
that he is the account holder in the Punjab national bank from age of 16. In this campaign they used Kohli
note “mera Apana bank “for each advertainments in this campaign.

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Digital Marketing Presence

Social media is most powerful weapon for any company now days. Social media usage in the country has
been increasing day by day. By this social media Punjab national is reaching the potential costumers of the
bank. By using social media pnb is promoting bank products and enhancing the brand value in market.

• Punjab National Bank has 61.4K followers on Instagram, 212Kfollowers on Twitter, and 1.2M likes on
Facebook.
• PNB posts daily and most of their posts are about their offerings and policies.

• Their content is both in English and Hindi for providing easy access to their audience.
• They run various contests to engage and interact with their followers. For example, they recently hosted
a digital literacy contest in the form of a crossword puzzle activity
• The bank also posts many contents in public interest for instance they started a campaign called
#FactCheckWithPNB, where they drop common banking misconceptions

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REFERANCES

https://www.pnbindia.in/foreign-branches-offices.html

https://www.pnbindia.in/

https://www.rbi.org.in/

https://www.pnbhousing.com/wp-content/uploads/2017/03/Press-Release-Madurai-Branch-Opening-09-02-
2017.pdf

https://www.thehindu.com/business/Industry/pnb-to-add-4000-jobs-open-500-branches-in-fy21-says-
rao/article32776566.ece
https://economictimes.indiatimes.com/news/economy/foreign-trade/australian-and-indian-business-leaders-
partner-for-investment-opportunities/articleshow/86471665.cms
https://www.marketresearchreports.com/countries/kazakhstan
https://www.thesundaily.my/business/pnb-to-expand-overseas-allocation-to-30-BC2370605
https://www.marketresearchreports.com/countries/kazakhstan
https://www.dionglobal.com/

https://www.pnbindia.in/

https://www.business-standard.com/article/finance/kazakhstan-cancels-licence-of-pnb-subsidiary-for-failing-
mandatory-norms-120091801660_1.html

https://economictimes.indiatimes.com/markets/stocks/news/pnb-faces-rs-500-cr-hit-this-fiscal-after-its-kazakh-
venture-is-told-to-shut-down/articleshow/82565185.cms

https://www.mbaskool.com/pestle-analysis/companies/18197-punjab-national-bank.html

https://economictimes.indiatimes.com/markets/stocks/news/pnb-rises-4-as-bank-completes-it-integration-of-
united-bank-with-self/articleshow/80003960.cms?from=mdr

https://iide.co/case-studies/punjabnationalbank-marketing-strategy/

https://www.thesundaily.my/business/pnb-to-expand-overseas-allocation-to-30-BC2370605

https://www.pnbhousing.com/wp-content/uploads/2017/03/Press-Release-Madurai-Branch-Opening-09-02-
2017.pdf

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